Thanks DX

Im not sure why you saying for me to open a new thread for each debt? To look into what?

mmmm the SAR is quite expensive. I cant afford give that money to him and I believe he cant give it out either!!!

after you get the statements

but if you cant afford it

then no point.

end of your problems then for the minute

dx

hows this going

stay away from debt management plan providers THAT ARE NOT FREE>

you mention several in your 1st post NEVER EVER USE THEM.

dx

we stayed away from debt management plans

right now i paid one of his CC and he is paying me off,

asked to cancel his account by writing, waiting on response at the moment.

only one card left to pay

I wrote to vanquis to cancel his ROP, but intend to pay it off too because his credit rates are horrendous.

he was worried with the fact that canceling his cards would affect his credit rate,

but honestly i think his credit rate will never be any better if it takes him years to pay a debt off

and in the meantime he gets no more money left for nothing

i believe it will help him if i do.

as for the CCJ we got nothing and he is registered to vote and so far no letters so we are sitting on it.

my biggest worry now will be one day we apply for a mortgage

and his ccj will be void but not sorted will be there and will come back to haunt him.

but thats in the future and i cant pay off everything.

he got a letter from department of work and pensions saying he owes them £23 lol

i hope that will be the only letter he is getting

seems he has no clue why he got that to pay so he called them

and it was crisis loans from when he was on benefits for 3months.

getting bit worried since if he can owe them that, what else can he be owing...

but so far he is managing to pay everything very slowly but paying...

has he any defaults in the debt summary lines

if so paying or not

they will kill credit for 6yrs

then the whole account disappears.

same for the ccj

dx

I'm not sure I understood.

You mean his credit file will be even worst if I close his account?

And I know the ccj that is forgotten after 6years and he doesn't have to pay.

But I've heard that it won't help his mortgage because they will know he didn't pay...

And our rates might go crazily high or it will have to me the only one doin a mortgage

closed open makes no odds

what doesn't show on your cra file

you don't tell them about.....................

dx

I'm not sure I understood.

 

And I know the ccj that is forgotten after 6 years and he doesn't have to pay.

Not quite true..it simply drops of the CRA and Registry...but it can still be executed after 6 years with the courts permission.

Andy

Not quite true..it simply drops of the CRA and Registry...but it can still be executed after 6 years with the courts permission.

 

Andy

I thought that if he hasnt been chased for these 6 years then he definitely does not have to pay for it.

but now im confused

its rare but the claimant could try.

pers I wouldn't worry about it.

dx

Hello again

Seems I jinxed this a bit.

We have managed to transfer the balance of his Vanquis credit card to a Halifax credit card at 0%

interest in the first 18months. I guess his credit got better.

He has now paid off his Capital One and he is on his way to clear his debt by paying his Halifax balance transfer in 18 months.

But unfortunately we received in the post a letter from Dukes Bailiffs looking for what I believe his CCJ debt.

We dont even know whether it is that or not but the amount of money seems to be.

We have sent letters to council requesting proof that we owe this because to be honest I have no letters anywhere saying or proving he owes this money.

I believe if they are chasing us now, we need to pay for this correct?

Now he only "owns" a car that he is finishing paying for next June but its a broken car and he is now riding his bike to work because financially we cant pay for all.

I can try pay off his car and try and sell it but broken wont give us much money,

but it should be all he has.

Any comments on this?

I am his girlfriend and I am trying very hard on this. He is the kind of guy who bins every letter making me absolutely crazy and he is a good guy but very bad with finances but I honestly believe I have helped him a lot through the past year!

Adriana

how to delete my posts?

how to delete my posts?

You cant.

Andy